Recent Divine Discussions

Tuesday, April 7, 2009

Back in January I developed my Home Purchase Plan (HPP for short). I listed exactly what I was looking for in my new home including my needs and wants. I printed up my HPP and carried it will me everywhere. I especially took it with me when I went house hunting with my agent. I had a momentary relapse (I'll explain more on that on another post) but got back on track and stuck to my guns. I ended up with a beautiful house that fits all my needs and wants.

I only had to bring $5300 to closing since I had already put down the $1000 earnest deposit. My closing took about an hour. I got into an arguement with my agent about an hour before the closing. Oh how I wanted to smack the sh*t outta him. Still do.

My total monthly payment is $1310 which includes $216/month for property taxes and $64/month for hazard insurance. Due to a stipulation in the bank's addendum to the contract we had on the house, I had to redo my points and was able to lock my rate at 5% instead of the 4.875% as I previously hoped. I'll explain that what happened in my Dos and Donts.

I am currently in the middle of getting my house painted. I didn't want to unpack my boxes only to have to move everything again so all my stuff is currently in my garage. I wish I could have taken more days off. I have so much to do and so little time.

It's a great idea. Everyone should have a layout of exactly what they want and need. If it's in writing it leads you to think more clearly when you're actually looking at the house. Sometimes people get shopper's amnesia as soon as they step into a house. I hope you don't have to pay Private Mortgage Insurance. It's a waste, in my opinion.Jerrywww.leads4insurance.com

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Disclaimer:

Disclaimer:

The purpose of this blog is to share my own experience, opinion, and choices on topics dealing with personal finance. I am not a financial adviser nor am I licensed. I am no wayliable for any unfortunate consequences you may come upon as a result of reading this blog. Please consult a licensed professional for financial services.